Make a Commitment to Saving Money

By opting into a share certificate account, you are making a commitment to keep your money invested and growing over time. The longer your savings commitment, the more you will earn. And, since we understand that each of our community members has unique financial needs, we offer flexible time periods from 1 month to 5 years. At the end of your term, there is no need to make a trip to our branch to renew. We will automatically roll you into another share certificate unless you choose to redeem your certificate.

Make an appointment, or just pop in, and one of our member service representatives in Plattsburgh, Tupper Lake, or Potsdam can help you determine what term is right for your share certificate.

Become a Member


Take Advantage of our April Share Certificate Special!

During the month of April, we are offering a Share Certificate Special earning you up to 3.75% APY*. Some restrictions apply. ​​​​​​​​​​​​​​ LEARN MORE


Share Certificate Rates

Share Certificate rates are accurate as of 04/01/2023
Term Annual Percentage Rate
Annual Percentage Yield
Minimum Deposit

Share Certificates

1 Year 1.25% 1.25% $1,000.00
2 Years 1.15% 1.15% $1,000.00
3 Years 0.65% 0.65% $1,000.00
4 Years 0.80% 0.80% $1,000.00
5 Years 1.00% 1.00% $1,000.00